What does travel insurance for scuba diving cover?
At Fast Cover, our travel insurance for scuba diving is available to provide cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your holiday. Claims arising from scuba diving within the depth and licence conditions may be covered under the benefits of your policy. For dives covered by the Adventure Pack, Permanent Disability, Loss of Income and Personal Liability don't apply.*
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen during a diving holiday overseas. Fast Cover's Emergency Assistance (EA) team of experts are available to provide 24/7 support for overseas medical emergencies.*
An unexpected trip to a hospital overseas is the last thing you might want on your holiday, and overseas medical expenses can add up quickly. If you get injured while scuba diving on your overseas trip, Fast Cover may be able to help with reasonable overseas emergency medical and hospital expenses in circumstances covered under your policy.* Read more about overseas emergency medical and hospital expenses.
Dive sites are often offshore or on remote islands, and getting to emergency care can make a big difference. Fast Cover's international policies are available to provide cover for a medical transfer, evacuation or repatriation if you must be taken to the nearest hospital for emergency treatment or brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cancelled adventures aren't just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help with the non-refundable trip bookings you've already paid for, including flights, accommodation and tours, in circumstances explained in your policy. Cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
If your trip is interrupted in circumstances covered under your policy, Fast Cover's Trip Disruption Expenses benefit may help with reasonable additional travel and accommodation expenses while you're still on your trip. This benefit isn't available with the Basics policy.*
Our Accidental Death benefit pays a lump sum to your estate if you pass away during your trip in circumstances covered under your policy. It's available with Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
What does travel insurance for scuba diving cover?
At Fast Cover, our travel insurance for scuba diving is available to provide cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your holiday. Claims arising from scuba diving within the depth and licence conditions may be covered under the benefits of your policy. For dives covered by the Adventure Pack, Permanent Disability, Loss of Income and Personal Liability don't apply.*
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen during a diving holiday overseas. Fast Cover's Emergency Assistance (EA) team of experts are available to provide 24/7 support for overseas medical emergencies.*
An unexpected trip to a hospital overseas is the last thing you might want on your holiday, and overseas medical expenses can add up quickly. If you get injured while scuba diving on your overseas trip, Fast Cover may be able to help with reasonable overseas emergency medical and hospital expenses in circumstances covered under your policy.* Read more about overseas emergency medical and hospital expenses.
Dive sites are often offshore or on remote islands, and getting to emergency care can make a big difference. Fast Cover's international policies are available to provide cover for a medical transfer, evacuation or repatriation if you must be taken to the nearest hospital for emergency treatment or brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cancelled adventures aren't just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help with the non-refundable trip bookings you've already paid for, including flights, accommodation and tours, in circumstances explained in your policy. Cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
If your trip is interrupted in circumstances covered under your policy, Fast Cover's Trip Disruption Expenses benefit may help with reasonable additional travel and accommodation expenses while you're still on your trip. This benefit isn't available with the Basics policy.*
Our Accidental Death benefit pays a lump sum to your estate if you pass away during your trip in circumstances covered under your policy. It's available with Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
Does travel insurance cover scuba diving?
Scuba diving depth decides which cover applies. Here's how it works with Fast Cover:
Scuba diving, or diving underwater using an artificial breathing apparatus, to a depth of no more than 10 metres is included in our Covered Sports and Leisure Activities, so the Adventure Pack isn't needed.*
Diving deeper than 10 metres, to a depth of no more than 30 metres, is an Adventure Pack activity, so cover for these dives is available when you add the Adventure Pack for an additional premium.*
There's no cover for diving deeper than 30 metres.*
For both depths explained above, cover depends on holding an open water diving licence recognised in Australia or diving with an instructor licensed for these activities. If you're diving during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas, cruise cover needs to be specified.*
As each individual's circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Does travel insurance cover scuba diving?
Scuba diving depth decides which cover applies. Here's how it works with Fast Cover:
Scuba diving, or diving underwater using an artificial breathing apparatus, to a depth of no more than 10 metres is included in our Covered Sports and Leisure Activities, so the Adventure Pack isn't needed.*
Diving deeper than 10 metres, to a depth of no more than 30 metres, is an Adventure Pack activity, so cover for these dives is available when you add the Adventure Pack for an additional premium.*
There's no cover for diving deeper than 30 metres.*
For both depths explained above, cover depends on holding an open water diving licence recognised in Australia or diving with an instructor licensed for these activities. If you're diving during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas, cruise cover needs to be specified.*
As each individual's circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Optional extras for your scuba diving holiday
No two holidays are the same, and your cover shouldn't be either. Whether you're planning deeper dives or diving from a cruise ship, Fast Cover's optional add-ons allow you to customise your travel insurance policy to fit you and other parts of your trip.
Got a big adventure planned? Fast Cover's Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Remember, scuba diving deeper than 10 metres, up to 30 metres, is an adventure activity. This means you'll need to add on the Adventure Pack to have cover for these dives.
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Tandem paragliding and skydiving
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack, so read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*
For more details, visit our page on adventure travel insurance.
Setting voyage on a cruise? If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip. Cruise cover is automatically included with the Frequent Traveller Saver policy.* If you plan to scuba dive during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas on a cruise ship, cruise cover needs to be specified for your dives to be included.*
For more details, visit our page on cruise travel insurance.
Optional extras for your scuba diving holiday
No two holidays are the same, and your cover shouldn't be either. Whether you're planning deeper dives or diving from a cruise ship, Fast Cover's optional add-ons allow you to customise your travel insurance policy to fit you and other parts of your trip.
Got a big adventure planned? Fast Cover's Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Remember, scuba diving deeper than 10 metres, up to 30 metres, is an adventure activity. This means you'll need to add on the Adventure Pack to have cover for these dives.
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Tandem paragliding and skydiving
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack, so read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*
For more details, visit our page on adventure travel insurance.
Setting voyage on a cruise? If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip. Cruise cover is automatically included with the Frequent Traveller Saver policy.* If you plan to scuba dive during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas on a cruise ship, cruise cover needs to be specified for your dives to be included.*
For more details, visit our page on cruise travel insurance.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be included. Check out our PDS for more details about existing medical conditions and how we define them.
Select who needs cover
Once you've added all travellers to your policy, you can select those who wish to add cover for any existing medical conditions.
Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be included. Check out our PDS for more details about existing medical conditions and how we define them.
Select who needs cover
Once you've added all travellers to your policy, you can select those who wish to add cover for any existing medical conditions.
Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Insurance cover options for your scuba diving holiday
At Fast Cover, we have a range of coverage options available for your scuba diving holiday. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Insurance cover options for your scuba diving holiday
At Fast Cover, we have a range of coverage options available for your scuba diving holiday. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
Standard Saver
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Basics (medical only)
Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
Domestic Plus
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
Snow Sports Plus
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
Frequent Traveller Saver
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Who can get travel insurance for scuba diving?
Whether you're travelling solo, with your partner or with friends, every adventure and traveller is unique. Fast Cover's travel insurance including scuba diving is available to Aussie travellers who meet the eligibility criteria, and the Adventure Pack for deeper dives is available to travellers aged 74 and under at the date of policy issue,* including:
Adventurers ticking off their bucket list
Aussie backpackers going scuba diving
Students learning to dive on their mid-semester break
Couples scuba diving in Bali on holiday
Cruisers scuba diving in Fiji and at other ports along the way
Domestic travellers scuba diving in Cairns
Families going scuba diving together
Who can get travel insurance for scuba diving?
Whether you're travelling solo, with your partner or with friends, every adventure and traveller is unique. Fast Cover's travel insurance including scuba diving is available to Aussie travellers who meet the eligibility criteria, and the Adventure Pack for deeper dives is available to travellers aged 74 and under at the date of policy issue,* including:
Adventurers ticking off their bucket list
Aussie backpackers going scuba diving
Students learning to dive on their mid-semester break
Couples scuba diving in Bali on holiday
Cruisers scuba diving in Fiji and at other ports along the way
Domestic travellers scuba diving in Cairns
Families going scuba diving together
Do I need travel insurance for scuba diving?
Whether you're scuba diving the Great Barrier Reef, exploring the reefs off the Philippines or diving from a cruise ship in the South Pacific, unexpected situations and factors outside your control could change your travel plans and leave you with out-of-pocket expenses.
Here are some situations which you might consider when deciding if you need travel insurance for scuba diving for your next trip and whether your policy can provide cover for these situations:
Even with a dive operator's safety briefing and a licensed instructor, injuries and diving illnesses such as decompression sickness can happen, and medical treatment overseas can be expensive. Consider if your scuba diving insurance can provide cover for overseas emergency medical and hospital expenses.
Many dive sites are offshore or on remote islands, a long way from the nearest hospital. Consider if your scuba insurance can provide cover for emergency medical evacuation or repatriation if you're seriously injured or unwell.
Becoming unexpectedly sick or injured could force you to cancel your trip, leaving you with non-refundable dive bookings, flights and accommodation. Consider if your policy can provide cover for trip cancellation expenses.
Diving depends on sea and weather conditions, and severe weather or transport cancellations could disrupt your plans while you're away. Consider if your policy can provide cover for trip disruption expenses.
Do I need travel insurance for scuba diving?
Whether you're scuba diving the Great Barrier Reef, exploring the reefs off the Philippines or diving from a cruise ship in the South Pacific, unexpected situations and factors outside your control could change your travel plans and leave you with out-of-pocket expenses.
Here are some situations which you might consider when deciding if you need travel insurance for scuba diving for your next trip and whether your policy can provide cover for these situations:
Even with a dive operator's safety briefing and a licensed instructor, injuries and diving illnesses such as decompression sickness can happen, and medical treatment overseas can be expensive. Consider if your scuba diving insurance can provide cover for overseas emergency medical and hospital expenses.
Many dive sites are offshore or on remote islands, a long way from the nearest hospital. Consider if your scuba insurance can provide cover for emergency medical evacuation or repatriation if you're seriously injured or unwell.
Becoming unexpectedly sick or injured could force you to cancel your trip, leaving you with non-refundable dive bookings, flights and accommodation. Consider if your policy can provide cover for trip cancellation expenses.
Diving depends on sea and weather conditions, and severe weather or transport cancellations could disrupt your plans while you're away. Consider if your policy can provide cover for trip disruption expenses.
What is the best travel insurance for scuba diving?
The best travel insurance for scuba diving can be considered as a policy that provides cover for the type of trip you're taking. When comparing travel insurance that covers scuba diving, this might include how deep you'll dive, who you're travelling with and other situations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best travel insurance for scuba diving for your trip:
Dives up to 10 metres are included in Covered Sports and Leisure Activities, while dives from 10 to 30 metres need the Adventure Pack*, so you may wish to check the maximum depth of the dives you're planning before you buy.
Cover depends on holding an open water diving licence recognised in Australia or diving with an instructor licensed for these activities*, so you may wish to check that your scuba diving certification is recognised before you travel. Dive operators also set their own requirements, such as a scuba diving age limit. The Adventure Pack has its own age limit: it's available to travellers aged 74 and under at the date of policy issue.*
Will your dives be part of a cruise? You may wish to check whether to add cruise cover to your policy.
Dive courses and liveaboard trips are often paid upfront, along with flights and accommodation. You may wish to consider whether your policy includes trip cancellation cover and whether its limit suits what you've paid.
What is the best travel insurance for scuba diving?
The best travel insurance for scuba diving can be considered as a policy that provides cover for the type of trip you're taking. When comparing travel insurance that covers scuba diving, this might include how deep you'll dive, who you're travelling with and other situations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best travel insurance for scuba diving for your trip:
Dives up to 10 metres are included in Covered Sports and Leisure Activities, while dives from 10 to 30 metres need the Adventure Pack*, so you may wish to check the maximum depth of the dives you're planning before you buy.
Cover depends on holding an open water diving licence recognised in Australia or diving with an instructor licensed for these activities*, so you may wish to check that your scuba diving certification is recognised before you travel. Dive operators also set their own requirements, such as a scuba diving age limit. The Adventure Pack has its own age limit: it's available to travellers aged 74 and under at the date of policy issue.*
Will your dives be part of a cruise? You may wish to check whether to add cruise cover to your policy.
Dive courses and liveaboard trips are often paid upfront, along with flights and accommodation. You may wish to consider whether your policy includes trip cancellation cover and whether its limit suits what you've paid.
What's not covered in our travel insurance for scuba diving?
It's important to know not just what your travel insurance for scuba diving covers, but also what it doesn't, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
There's no cover for claims arising from diving deeper than 30 metres.*
Dives deeper than 10 metres aren't covered unless you've added the Adventure Pack.*
Cover is only available if you hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities.*
Free diving isn't covered, regardless of your policy type or whether you've added the Adventure Pack.*
If you're diving during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas, there's no cover for those dives unless cruise cover is specified.*
There's no cover for claims arising while you're participating in professional sport in a professional capacity.*
There's no cover under Overseas Emergency Medical and Hospital Expenses for medical expenses incurred in Australia.*
As each individual's circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
What's not covered in our travel insurance for scuba diving?
It's important to know not just what your travel insurance for scuba diving covers, but also what it doesn't, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
There's no cover for claims arising from diving deeper than 30 metres.*
Dives deeper than 10 metres aren't covered unless you've added the Adventure Pack.*
Cover is only available if you hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities.*
Free diving isn't covered, regardless of your policy type or whether you've added the Adventure Pack.*
If you're diving during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas, there's no cover for those dives unless cruise cover is specified.*
There's no cover for claims arising while you're participating in professional sport in a professional capacity.*
There's no cover under Overseas Emergency Medical and Hospital Expenses for medical expenses incurred in Australia.*
As each individual's circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Tips for travel insurance for scuba diving
Discover useful travel insurance tips from travel insurance expert, Fast Cover's CEO Dean Van Es.
"Adventure activity operators often ask you to sign a waiver on the day, and some offer their own cover for an extra fee, with terms you may only have a few minutes to read. Before you travel, check whether your adventure activity is covered. Some activities are included in our standard policies, and others can be covered by adding our Adventure Pack to an eligible Fast Cover policy. Limits, conditions, exclusions apply. For example, you may need to use a licensed operator and follow their instructions. Overseas medical costs can be very expensive, so it’s worth checking before you go."
General advice only, and does not take into account your individual objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to making a decision.
Tips for travel insurance for scuba diving
Discover useful travel insurance tips from travel insurance expert, Fast Cover's CEO Dean Van Es.
"Adventure activity operators often ask you to sign a waiver on the day, and some offer their own cover for an extra fee, with terms you may only have a few minutes to read. Before you travel, check whether your adventure activity is covered. Some activities are included in our standard policies, and others can be covered by adding our Adventure Pack to an eligible Fast Cover policy. Limits, conditions, exclusions apply. For example, you may need to use a licensed operator and follow their instructions. Overseas medical costs can be very expensive, so it’s worth checking before you go."
General advice only, and does not take into account your individual objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to making a decision.









